Side-by-side · Q2 2026 data
United Bank vs River Bank & Trust
Metric by metric
| Measure | United Bank | River Bank & Trust |
|---|---|---|
| TellerScore | 74 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 55 | 84 (stronger) |
| Earnings | 72 | 80 (stronger) |
| Funding & liquidity | 47 | 49 (stronger) |
| Problem-loan coverage | 88 | 92 (stronger) |
| Peer percentile | 74th | 40th |
| Total assets | $1.5B | $4.0B |
| Deposits / shares | $1.2B | $3.5B |
| Capital ratio | 15.79% (stronger) | 9.23% |
| Problem loans | 1.35% | 0.48% (stronger) |
| Net charge-offs | 0.03% | 0.02% (stronger) |
| Return on assets | 1.31% | 1.49% (stronger) |
| Loans ÷ deposits | 75.9% (stronger) | 80.5% |
| Uninsured deposits | 48.4% | 42.9% (stronger) |
| Offices | 19 | 25 |
| CFPB complaints (3 yrs) | — | 17 |
| Complaints per $1B deposits | — | 4.8 |
| Mortgage denial rate (HMDA) | 20.3% | — |
United Bank has the higher TellerScore (74 vs 66). On the 7 directional measures above (where higher or lower is clearly better), United Bank leads on 3 and River Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.